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TOD AGENCY

Active
Private limited companyfounded 2016active for 10 yearsRue Dandois 124, 6043 Charleroi, BelgiumKBO/BCE: BE 0649.404.310
Summary

TOD AGENCY has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €101,209 and a net result of -€5,828. Equity has been growing by about 11% per year since 2018. Its solvency ranks better than 81% of 25,567 sector peers (NACE 47, financial year 2024). The computed 12-month bankruptcy probability is 1.4% (low).

Overview

Official details

Source: KBO
Status
Active since 25-02-2016 Normal situation
Activity
Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716and 1 other
Establishment unit
2.250.969.429 6200 Châtelet, since 25-02-2016
Financial year end
31 December
Peppol
Reachable since 12-01-2026

Board and ownership

Board

Financial position

56 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
1.4%
Annual accounts 2024
Gross margin
€2,950
▼ 93.3%
Turnover
≈ €34,000
estimated
Loss
€5,828
Equity
€101,209
▼ 5.4%
Total assets
€144,127
▲ 0.2%
  • 2025 accounts not filed, 94 days past the deadline
Score breakdownraises riskCapped at 59: a confirmed filing findingFigures for financial year 2024 (filed on 26-08-2025)Loss of €5,828 (financial year 2024)lowers riskLiquidity: current ratio 5.87, cash €39,675Equity €101,209 (70.2% of total assets)Show the evidence

Checked score

Score 2024
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 54% of micro companies in retail trade (NACE 47)
A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2023
Strong
Solvency 95-4
equity 70.2% of total assets
Liquidity 81-1
short-term debt 16.0% · cash 27.5%
Profitability 14-70
return on assets -4.0%
Bankruptcy probability within 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 0.5% 01-2025: 0.5%● unchanged vs 12-2024 02-2025: 0.5%● unchanged vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.5%● unchanged vs 03-2025 05-2025: 0.3%▼ -0.2 percentage points vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.3%● unchanged vs 06-2025 08-2025: 0.6%▲ +0.3 percentage points vs 07-2025 09-2025: 0.3%▼ -0.3 percentage points vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025lowest value 02-2026: 0.3%● unchanged vs 01-2026lowest value 03-2026: 0.3%● unchanged vs 02-2026lowest value 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.6%▲ +0.3 percentage points vs 07-2026 09-2026: 0.8%▲ +0.2 percentage points vs 08-2026 10-2026: 1.4%▲ +0.6 percentage points vs 09-2026highest value 11-2026: 1.4%● unchanged vs 10-2026highest value
Credit of up to €5,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity is ample, with a current ratio of 5.87 (3.6 in 2023), above the usual 1.5. Short-term debt is 16% and cash 27.5% of total assets. 29.8% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 81% of them on solvency, 85% on liquidity, 19% on profitability and 30% on growth.

The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · Figures for financial year 2024 (filed on 26-08-2025)
NBB · annual accounts
lowers risk · Liquidity: current ratio 5.87, cash €39,675
NBB · annual accounts
lowers risk · Equity €101,209 (70.2% of total assets)
NBB · annual accounts
raises risk · Loss of €5,828 (financial year 2024)
NBB · annual accounts
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 94 days later.
NBB · 9 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline02-11-2026 today
raises risk · 2024 accounts filed 22 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 9 filings
Deviation from the deadline
2025
not filed
2024
22 days late
2023
30 days late
2022
23 days late
2021
31 days late
2020
31 days late
2019
28 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 28 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher solvency than 80% of companies in retail tradesector median 32.2% · 25,567 companies 70.2% View

Recent changes

  1. · Gazette deed Changes of role: TODESCHI Philippe (administrateur non statutaire) and BUCCI Liliana (administrateur non statutaire)
  2. · Gazette deed Registered office moved from Jumet to Ransart
  3. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as TOD AGENCY: retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716). They are comparable in size and age: total assets between €89,500 and €283,000, founded between 2009 and 2018.

CompanyTotal assetsGross margin
TOD AGENCY Charleroi€144,127€2,950
it-market Lasne€128,761€4,698
D'ANGELY FASHION Dilsen-Stokkem€121,313€3,797
STANDAERT - BUYSSENS Maldegem€146,814€2,000
JANNATEX Schaarbeek€89,457€1,757
JIN LEE Anderlecht€208,033€2,560
Huis Borghys-Verdonck Puurs-Sint-Amands€282,970€3,736
Full comparison

Key facts about TOD AGENCY

What is the company number of TOD AGENCY?
The company number of TOD AGENCY is 0649.404.310. The VAT number is the same number with BE in front: BE 0649.404.310.
Where is TOD AGENCY based?
The registered office is at Rue Dandois 124, 6043 Charleroi.Company details
What does TOD AGENCY do?
According to the KBO register, the main activity is retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716).
What is the legal form of TOD AGENCY?
The legal form of TOD AGENCY is Private limited company (BV).
When was TOD AGENCY founded?
TOD AGENCY was founded on 25-02-2016.
Is TOD AGENCY still active?
Yes, TOD AGENCY is an active enterprise in the KBO register.
What is the turnover of TOD AGENCY?
The turnover in financial year 2024 is ≈ €34,000. This figure is estimated from the gross margin of €2,950 and 40 comparable companies (NACE 47716). It probably lies between €12,000 and €69,000. It is a rough estimate.Financials
Is TOD AGENCY profitable?
In financial year 2024, TOD AGENCY made a loss of €5,828.
Where can I find the annual accounts of TOD AGENCY?
TOD AGENCY filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2024.

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